Applying for a mortgage is stressful enough as it is — but what do you do if you lose your job during the process? Especially during the pandemic, this happens more often that it should. Does this mean the window is closed on your mortgage? Don’t panic just yet. There may be some workarounds, […]
In some cases, an appraisal waiver can save you time and money in the mortgage process. While they aren’t for everyone, it’s important to consider all of your options as this could be a good fit for your particular circumstance. What is an appraisal waiver? When you’re buying or refinancing a property, your lender will […]
When it comes to buying a home, closing costs are easily one of the biggest stressors in the process. Not to mention the variable fees and attorney costs, which could result in a higher price point than anticipated. Mortgage closing costs are unavoidable, however there are some areas that can be negotiated. If you’re looking […]
Think of credit card debt and mortgage approval like using a handheld map to reach a destination. You can still get somewhere with a handheld map, but a GPS navigation system would make it a hell of a lot easier. You can still apply for a home loan with credit card debt, but it will […]
We’ve received a ton of questions regarding COVID-19 and how it can affect your mortgage. Things have been changing rapidly, and we know how troubling and confusing these times can be. We’re providing a breakdown below that will highlight what COVID-19 means for home buyers, homeowners that are considering refinancing, people with adjustable-rate mortgages, and […]
There are various mortgage options to consider when it comes to home financing, from conventional loans to government loans. In addition, you can also choose length of terms, and fixed or adjustable rates. Another option you can choose is what we call a balloon mortgage. What is a balloon mortgage? A balloon loan is […]
The Best Ways to Boost Your Credit Score Buying a home is a long process that starts months before you ever look for the first home listing online. A variety of factors, including your credit score, all factor into whether or not you are approved by a lender. If your credit score could use some […]
Credit Score 101 When you’re preparing to buy a new home or refinance your mortgage, there’s a good chance you are thinking closely about your credit score. This number plays a large role in a variety of aspects of your mortgage, including what financing options are available to you, the interest rates you’re offered and […]
Make Your Dream Home a Reality With low inventory on the market and cutthroat competition for the best homes, it’s understandable that many home buyers are turning to home builders to make their dream homes a reality. Before you determine whether or not building a house from scratch is right for you, you should do […]
Recovering from foreclosure or bankruptcy takes time and effort. However, that doesn’t mean that you can cross homeownership off of your list forever. Just a few years after your bankruptcy, you could potentially close on a home loan and become a homeowner again. If you have bad credit and are wanting to purchase a home […]
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Senior Mortgage Banker
Apex Home Loans, Inc. | NMLS #2884
d: (667) 888.4501 | c: (410) 598.9410
w: www.apexhomeloans.com/ken-venick | e: ken@kenvenick.com
Local. Experienced. Independent.
States Ken is licensed in to serve your needs:
DC, NJ, NC, FL
Ken Venick
Cell: (410) 598-9410
Business: (667) 888-4501
ken@kenvenick.com